Thomas Galatis

Vijay Kumar

3 months ago

5/5

Over the last two years, Nic and Amber have helped us three times—first with our mortgage and then with refinancing two homes. Every experience has been outstanding. They are knowledgeable, professional, responsive, and always kept us informed throughout the process. What we appreciate most is their honesty, clear communication, and commitment to finding the best option for our situation. Whether purchasing a home or refinancing, they guided us through every step and were always available to answer questions. The fact that we've trusted Nic and Amber with our financing needs three times in just two years speaks for itself. We highly recommend them to anyone looking for a reliable, trustworthy, and customer-focused mortgage team.

ISLA 100X35

2 months ago

5/5

I had a great experience working with Filo Mortgage. They processed my loan in just about a month, and the whole process was fast, smooth, and completely hassle-free. The entire team was respectful and professional every step of the way. Honestly, one of the best mortgage companies I’ve ever worked with. Highly recommended!

Jack Kusner

2 months ago

5/5

I was almost finished with my mortgage loan through another lender when I came across Filo Mortgage. After reaching out for a quote, I was shocked by how much lower their interest rate and closing costs were. Honestly, I thought it was either too good to be true or a scam. I went back to my original lender and asked them to review Filo's loan estimate. They told me Filo would probably change everything at closing and that there was no way they could close on time. My loan officer at Filo, Nic S., was professionally persistent throughout the process. When interest rates dropped, he called me immediately to let me know, while my original loan officer simply told me rates had gone up and there was nothing he could do. At that point, I decided to switch lenders, although I was still concerned about whether they could complete everything in just three weeks. My real estate agent and I spoke with Nic, and he confidently assured us we would close on time. Switching to Filo turned out to be one of the best decisions I made. Nic, Amber, and Ashleigh made the entire process smooth, kept me informed every step of the way, and, most importantly, delivered on every promise. We closed on time with the exact terms they quoted. Remember, it's your money, and you owe it to yourself to shop around. Based on my experience, I can confidently recommend Nic S. and the team at Filo Mortgage. They earned my trust by providing competitive rates, low closing costs, and following through on their commitment to close on time.

Rebecca Levy Berkowitz

8 months ago

5/5

We had a fantastic experience with Filo — especially with Robert Breeding! Not only does he have exceptional knowledge and experience, but he was simply a pleasure to work with. He’s just a genuinely good person, which meant a lot to us throughout the process. Robert was attentive to all of our needs, consistently answered our many questions, and was available well beyond normal work hours. Every other Filo representative we encountered was also capable and personable. Thank you to Melissa as well!! The Filo platform was easy to navigate and made it simple to manage all of our sensitive documents in one place. On top of that, Filo consistently offered the best rates available. We will absolutely work with them again. Highly recommended — thank you, Robert!

Jess P

5 months ago

5/5

I can only say amazing, positive, excellent things about my experience over months and months with Thomas Galatis and Ashleigh Tanner. Huge shoutouts to them for answering so many of my questions, moving quickly and efficiently throughout a loan process, and communicating often and clearly to keep anxiety as low as possible during a high stakes real estate purchase process. I would highly recommend partnering with them and Filo based on my own experience to date here in California. They provide really high touch, meaningful support throughout the process.